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Home Credit Reports Credit Inquiries TBOM/CONTFIN

TBOM/CONTFIN: What Is It and Why Is It on My Credit Report?

Credit report showing TBOM/CONTFIN inquiry

At a glance

  • TBOM/CONTFIN stands for The Bank of Missouri/Continental Finance.
  • There are several possible reasons for why it’s on your credit report.
  • Find out what TBOM/CONTFIN is, why you’re seeing it, and how to get it off your credit report.
  • TBOM/CONTFIN may be hurting your credit.

Get expert help. Call now to remove TBOM/CONTFIN from your credit report.

Call (855) 318-9914 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Reviewed by Victoria Scanlon

Mar 21, 2022

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We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. What is TBOM/CONTFIN on my credit report?
  2. Is TBOM/CONTFIN a scam?
  3. Why is TBOM/CONTFIN on my credit report?
  4. How does TBOM/CONTFIN affect my credit score?
  5. How to remove TBOM/CONTFIN from my credit report

What is TBOM/CONTFIN on my credit report?

TBOM/CONTFIN stands for The Bank of Missouri/Continental Finance.

Continental Finance Company is a credit card company that offers credit cards for people with poor credit. 1 They partner with The Bank of Missouri to issue their Cerulean, Verve, and FIT Mastercard credit cards.

If you see TBOM/CONTFIN on your credit report, you probably applied for or already have one of their credit cards:

  • Cerulean Mastercard®
  • First Access Visa® Credit Card
  • FIT Mastercard®
  • Milestone® Mastercard®
  • Total Visa® Card
  • Verve Mastercard®

Continental Finance also offers Reflex and Surge Mastercards, but those are issued by another company, Celtic Bank. 2

How TBOM/CONTFIN appeared on credit reports in the past

TBOM/CONTFIN is a relatively new code because The Bank of Missouri and Continental Finance haven’t been associated for long.

Prior to merging with The Bank of Missouri in 2018, Mid-America Bank & Trust issued all of Continental Finance’s cards. During that time, you may have seen them appear on your credit report as MABT/CONTFIN.

The Bank of Missouri’s other affiliates

If TBOM appears on your credit report but you don’t have a Continental Finance credit card, then you may have an account with The Bank of Missouri or one of their other affiliates. The Bank of Missouri offers consumer and commercial banking products, including co-branded credit cards, for many different companies.

The Bank of Missouri Contact Information

If you want to remove TBOM/Contfin from your credit report, write to The Bank of Missouri's address:

The Bank of Missouri logo

Address: 18 West Sainte Marie Street, PO Box 309
Perryville, MO 63775
Phone Number: (888) 547-6541
Website: www.bankofmissouri.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

Is TBOM/CONTFIN a scam?

No, TBOM/CONTFIN isn’t a scam. The Bank of Missouri and Continental Finance are legitimate organizations. If they’re on your credit report, it probably indicates that you have an account with them or they checked your credit.

If you’re certain that there’s activity on your credit report under TBOM/CONTFIN that shouldn’t be there, it’s possible you’ve been the victim of identity theft.

We’ll discuss the reasons (both legitimate and fraudulent) that TBOM/CONTFIN might be on your credit report in more detail in the next section.

Why is TBOM/CONTFIN on my credit report?

TBOM/CONTFIN can appear on your credit report for a number of reasons, some negative and some harmless. It’s possible for it to show up even if you don’t have a Continental Finance credit account.

Here are some reasons why TBOM/CONTFIN might be on your credit report:

1. The Bank of Missouri checked your credit

You’ll see TBOM/CONTFIN on your credit report if The Bank of Missouri ran a credit check to determine whether or not to extend credit to you. This type of credit check can appear as a hard inquiry or a soft inquiry.

  • Hard inquiries: These generally appear on your credit report when you apply for new credit, such as credit cards, store cards, or installment loans. For example, if you applied for a Continental Finance credit card, The Bank of Missouri probably triggered a hard inquiry when reviewing your application.
  • Soft inquiries: These show up on your credit report when someone checks your credit but you’re not actually in search of new credit. For example, if you received an unsolicited offer letter in the mail for a credit card issued by The Bank of Missouri, then they may have triggered a soft inquiry during the prequalification process.

Thankfully, soft inquiries won’t affect your credit score. Hard inquiries usually lower your credit score by several points, but the effect won’t last more than a year, and the inquiry will fall off your credit report entirely after two years. Note that you usually can’t remove a hard inquiry early unless the bureau added it to your report by mistake.

2. You have a Continental Finance credit account

TBOM/CONTFIN will appear on your credit report if you currently have or previously had a Continental Finance credit account. Even if you closed your account, TBOM/CONTFIN can stay on your credit report for 7 years (if the account was delinquent due to missed payments) to 10 years (if the account was in good standing).

You might find your Continental Finance credit account marked as closed even if you never took any active steps to close it. This can happen due to account inactivity—it’s common for lenders to close credit accounts if they haven’t been used for a while.

3. You’re an authorized user on someone else’s Continental Finance credit account

TBOM/CONTFIN can show up on your credit report if someone else added you as an authorized user to their own Continental Finance credit account.

You might have been named as an authorized user by your:

  • Spouse
  • Child
  • Parent
  • Friend
  • Business partner

If someone designated you as an authorized user on their Continental Finance credit account, their activities on the account could affect your credit score.

If the primary cardholder is a responsible person and a reliable borrower, being an authorized user on their account will probably improve your credit score by helping you build a positive payment history. On the other hand, you might notice a drop in your credit score if the primary cardholder neglects their payments or cancels their account with unpaid debt.

Similarly, your use of someone else’s credit will affect their credit score, so take care when acting as an authorized user.

4. You’re a victim of identity theft

If you see a TBOM/CONTFIN hard inquiry on your credit report but you’re sure you didn’t apply for a Continental Finance credit account, it could be a sign of identity theft.

If you think that TBOM/CONTFIN is on your credit report because someone’s trying to fraudulently open accounts in your name, take these steps:

  1. Contact the company that made the hard inquiry (which will be The Bank of Missouri, unless they hired another company to perform the inquiry for them). Tell them you didn’t authorize the inquiry. Ask them for details (i.e., when and under what circumstances their records show the inquiry was authorized).
  2. Report the identity theft to the Federal Trade Commission (FTC). Go to www.identitytheft.gov and answer the questions to generate an identity theft report and recovery plan.
  3. Contact any of the three main credit bureaus (Equifax, Experian, or TransUnion) and have a fraud alert placed on your credit report. You only need to contact one of the bureaus; they’ll coordinate with the others, and your fraud alert will be acknowledged by all three.

You may also want to freeze your credit (or get a credit lock, which is very similar).

Carefully monitor your credit reports over the next few months for further signs of fraudulent activity.

How does TBOM/CONTFIN affect my credit score?

There are several ways that TBOM/CONTFIN can affect your credit score, depending on whether they triggered an inquiry or manage one of your accounts.

Hard inquiries

As mentioned, a single hard inquiry will have a small, short-term effect on your credit, usually lowering your FICO score by up to five points and your VantageScore credit score by 5–10 points.

This effect is usually cumulative, so too many hard inquiries can really hurt your score. However, a single inquiry isn’t something to worry about—your credit score ranges from 300 to 850, which means 5 points in either direction isn’t significant.

Open and closed accounts

If you have an open or closed TBOM/CONTFIN account on your credit report, then it’s contributing to your credit score by influencing the following factors:

  • Payment history
  • Length of credit history
  • Credit mix

If the account is open, then it’s also contributing to your credit utilization rate (also known as your debt-to-credit ratio).

To learn how your TBOM/CONTFIN account will affect your credit score, familiarize yourself with the factors that make up your FICO score and VantageScore.

Don’t rush to close your account

Closing an account can hurt your credit score by reducing your available credit (which will increase your credit utilization rate). Use the account occasionally to prevent your creditor from closing it due to inactivity, and only close it if keeping it open will jeopardize your finances.

How to remove TBOM/CONTFIN from my credit report

If you want to delete TBOM/CONTFIN from your credit report, then try one of the following approaches.

1. Send a dispute letter

If you see an item listed under TBOM/CONTFIN on your credit report that you suspect is a mistake, then you can dispute it by writing something known as a credit dispute letter.

You should send your letter to whoever you think the error originated with. You can send it to:

  • The Bank of Missouri: Send your letter directly to them if you believe they made the original mistake (e.g., they reported a credit check to the bureaus that you never actually authorized).
  • The credit bureaus: Write to the credit bureaus if you believe the error originated witih them (e.g., they confused you with someone with a similar name or Social Security number).

Either way, it’s usually a good idea to send copies of the letter to both parties, the bureaus and your card issuer (The Bank of Missouri). They may contact each other as they investigate the matter, and it’s important to make sure everybody has received the relevant information.

Credit dispute letter to credit bureau

Credit Dispute Letter to a Credit Bureau

If you think one of the credit bureaus added TBOM/CONTFIN to your credit report by mistake, use this credit dispute letter template to file a dispute directly with them. Send your letter to all of the bureaus that are reporting the mistaken hard inquiry or credit account.

Build My Letter Now PDF Word

Credit dispute letter to data furnisher

Credit Dispute Letter to The Bank of Missouri

Use this letter if you think TBOM/CONTFIN is on your credit report because The Bank of Missouri mistakenly reported a credit check or account to the bureaus. Address and send your letter to The Bank of Missouri, not Continental Finance.

Build My Letter Now PDF Word

Once you’ve filed your credit dispute, the credit bureau will be required to investigate and correct any inaccurate information on your report, usually within 30–45 days.

2. Use a credit repair company

A credit repair company will act as a middleman between yourself and your card issuer (and the credit bureaus). They might be able to get a hard inquiry or another TBOM/CONTFIN item off your credit report by helping you gather evidence and handling all the required communication.

However, be wary of scammers. There are restrictions on the cost of credit repair—by law, credit repair companies are not allowed to charge you before they’ve helped you. If they ask for payment upfront, hire a different company.

Although hiring a credit repair company can save you some time and hassle in disputing items on your credit report, bear in mind that they can’t do anything for you that you can’t do yourself.

They also won’t necessarily be able to erase valid negative information or turn a bad credit score into a good credit score overnight. Think carefully before hiring a third-party company to get TBOM/CONTFIN off your credit report.

Takeaway: TBOM/CONTFIN can appear on your credit report for several reasons

  • TBOM/CONTFIN can appear on your credit report as a hard inquiry or as an open or closed credit account, either belonging to you or someone who has authorized you to use it.
  • How TBOM/CONTFIN will affect your credit score depends on your credit history and the status of the account.
  • You can get TBOM/CONTFIN off your credit report by sending a dispute letter to the credit bureaus and The Bank of Missouri. Alternately, you can hire a credit repair company.

Other Common Inquiries

  • SYNCB/PPC
  • SYNCB/QVC
  • SYNCB/SMRTCN
  • SYNCB/WALMART
  • SYWMC/CBNA
  • TBOM/Fortiva
  • TBOM/TFC
  • THD/CBNA
  • TJXREWARDS/SYNCB
  • TU Interactive

Article Sources

  1. Continental Finance. "About Us" Retrieved March 21, 2022.
  2. Continental Finance. "Credit Cards" Retrieved March 21, 2022.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

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